About Ruvim Khemchan

Ruvim Khemchan specializes in real estate investing and consulting. His company, Mutual Holdings, assists clients in Oregon and Washington State with property purchases and sales. With a deep understanding of the local real estate markets, access to private lenders and investor groups, and a network of potential buyers, Khemchan and Mutual Holdings help clients find the funds they need to address their real estate needs.

Khemchan has more than 20 years of experience in real estate investing and lending expertise. He started in 2004 by buying land and connecting builders with investors looking to build. Khemchan also helps clients with getting financing.

Mutual Holdings: A Trusted Source in Real Estate Investing and Private Lending

Mutual Holdings focuses on real estate investing/consulting and private money lending for fixer-uppers and flips, new construction spec homes, and land acquisitions. Mutual Funding guides individuals and businesses looking to invest in real estate. The company assists clients in identifying investment opportunities and advises them on financing, market trends, and property management to make informed investment decisions consistent with their financial goals and risk tolerance.

Responsibilities include researching and analyzing real estate markets to identify potential investment opportunities. This includes assessing market conditions and trends, including supply and demand, pricing, rental rates, and other factors that could impact the investment. Based on the market research and analysis, Mutual Holdings will develop investment strategies tailored to their clients’ needs and objectives.

In addition, as a real estate investment consultant, Khemchan will conduct thorough due diligence on properties to ensure that they are sound investments. This includes reviewing property records, assessing property conditions, and analyzing the potential for growth and profitability.

Private Lending

Mutual Holdings also helps clients secure financing for their real estate investments, including private lending. Private lending has become a potent tool. When traditional financial sources become less accessible, private lending provides an alternative funding source for profitable real estate ventures. Using this strategy, individuals or organizations can lend money to investors who require funds to purchase real estate or execute remodeling projects.

Private lenders may include individuals with excess capital seeking investment opportunities;

investment groups that pool funds from several investors to provide larger loans and distribute risk across various real estate projects; and hard money lenders who are private lenders typically focused on high-interest, short-term loans.

Unlike traditional financial organizations such as banks, credit unions, and mortgage firms, private lenders are not subject to extensive government regulation and control. They also tend to operate more flexibly because they are not subject to the same level of regulation as traditional lenders, although they still have to follow numerous provincial legislation.

Private lenders are also more likely to consider unconventional criteria. They may prioritize the property’s valuation or the borrower’s overall financial situation over strict adherence to established criteria. Furthermore, private lenders frequently have a faster approval process than traditional lenders, which might benefit customers who require financing more quickly.

Types of Real Estate Investments

Fixer-Uppers/Flips

Ruvim Khemchan and Mutual Holdings assist clients with various property purchases and sales. They help clients with a short-term timeline maximize returns by flipping investment opportunities. Single-family house flips, for example, allow fast entry and exiting of transactions with minimal investment and the potential for significant returns.

The goal is to add as much value as possible to the property and then sell it quickly, providing the highest yearly returns for their investors. This involves making major internal and external upgrades to the home. To increase the property’s value, a brand new Accessory Dwelling Unit (ADU) can be added to the principal residence’s property. This effectively converts the single-family property into two independent homes. ADUs are legal in Oregon and Washington State. In Oregon, for example, ADUs can be up to 70% the size of the main house, but detached units must not exceed 900 square feet. In Washington, each lot can have up to two ADUs.

New Construction Spec Homes

Mutual Holdings also provides investment consulting in new construction spec (speculative) homes. Developers build move-in-ready homes to be as desirable to home purchasers as possible. They make judgments based on what they believe will sell well in the current market. For example, builders may incorporate numerous amenities and enhancements or construct a spec home in a desirable community. The goal is to build spec homes that can be profitable. Mutual Holdings connects private investors with builders to finance these spec homes.

Land Purchases

Mutual Holdings also consults with clients looking to purchase and sell land to optimize an investor’s real estate portfolio. Khemchan and his company help clients understand the value of the land. The company conducts a thorough analysis of the land to determine its potential value and the best use for it; and assesses what the land can yield from a development perspective, including the types of buildings that can be constructed and the number of units that can be built; and evaluates what the price should be based on comparable land sites and market conditions.